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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $120,887 | $56,063+115.6% | $76,051+59.0% | $80,911+49.4% |
| Participation rate | 58.0% | 62.0%-4.0pp | 69.1%-11.1pp | 67.6%-9.6pp |
| Annual return | 8.93% | 20.54%-11.6pp | 360.42%-351.5pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,760 | $1,874-6.1% | $2,690-34.6% | $2,756-36.1% |
| Participant deferral / active EE | $4,676 | $3,052+53.2% | $4,257+9.8% | $4,297+8.8% |
| Admin fee / account holder | $8,266 | $5,240+57.8% | $6,416+28.8% | $6,935+19.2% |